Terms & Conditions

NTACTUS FINANCIAL SERVICES PVT. LTD (hereinafter referred
to as “NTACTUS”) is in the business of distribution of
financial products through its online technology platform.
NTACTUS provides this “Registry Account”
facility to enable the investors to carry out the online
transactions in the units of the mutual funds and is registered with
AMFI with ARN Code - 141396; to act as Mutual Fund Distributor for
online and offline distribution of units of the schemes of mutual
funds through its website www.freemi.in
. (“NTACTUS websites” or
“website”)

This NTACTUS Registry account/accounts facility is
available only to the users who have registered themselves on the
NTACTUS websites. As a Registered
user, NTACTUS requests you to carefully go
through these terms & conditions
(“Terms & Conditions”) to
avail the access
to NTACTUS through its online technology platform.
By registering with NTACTUS, you irrevocably and unconditionally
accept all the obligations stipulated in the Terms & Conditions
and agree to abide by them. Accessing NTACTUS on its
online technology platform through any medium, including but not
limited to the websites on mobile phones and such other devices, is
also subject to these Terms & Conditions. These Terms &
Conditions supersede all previous oral and written terms and
conditions (if any) communicated to you.

Services

I/We hereby agree to avail the service of access to the
distribution network of NTACTUS through its online
technology platform for the investment in units of mutual funds
available on the NTACTUS Websites (www.freemi.com) by
me/us, on the terms and conditions mentioned herein (the
“Services”). I/We agree that NTACTUS and / or the
mutual fund may at its sole discretion vary the terms and
conditions or withdraw any of the facilities provided herein from
time to time.

I/We hereby irrevocably and unconditionally grant my/our no
objection to NTACTUS and the respective mutual funds to
collate the transaction details relating to the investments in
mutual fund units done by me/us on the online technology platform
of NTACTUS and transmit such transaction data to the
concerned asset management company (“AMC”) / mutual
fund/ Registrar and Transfer Agent (RTA) of the AMC for further
processing of my/our transactions.

Registration and Transactions

NTACTUS will grant access to only those customers who
have a registered in
“Registry Account” (“Registered
Customers”) with NTACTUS. I/ We agree and acknowledge that
the Services provided herein are presently available in respect of
select Mutual Funds only with whom NTACTUS has entered into a
separate arrangement.

Registered Customers will be able to only purchase, redeem
and switch mutual fund units through this service.

I/We agree that any and / or all information that may be
provided by me/us to NTACTUS from time to time, including but
not limited to contact information, address and tax‐related
information or any other information required under existing or
future KYC or other norms and laws, may be shared by
NTACTUS with the mutual funds/AMCs or their respective
authorized service providers, auditors, legal and tax consultants
in compliance with the extant legal provisions from time to time.

There may be an exit load/any other charge(s) applicable to
certain mutual fund schemes which is mentioned in the respective
offer documents including Scheme Information Document (SID) /Key
Information Memorandum (KIM) and addendums issued thereto from
time to time (collectively referred to as “scheme related
documents”). I/We shall read/ have read all the scheme
related documents before investing.

I/We agree and understand that no change of address, mobile
no., e-mail id and / or bank details can be allowed for such
accounts, unless a duly signed hard copy of such written request
is sent to the AMC / RTA / POS for signature verification and
other formalities.

I/we agree to be communicated for all transaction related
purposes to my registered email-id or by way of SMS to my
registered phone number.

Purchase requests made through NTACTUS’s online
technology platform shall be processed by the respective mutual
funds/AMCs only after funds sufficient to cover the purchase price
and other costs and charges have been received by the respective
mutual funds/AMCs. Payments towards the purchase price and other
costs and charges shall be made by the Registered Customers
directly in the name of the respective mutual fund scheme(s)
through the payment gateway made available by NTACTUS on the
online technology platform. If for any reason the mutual fund is
unable to allow a transaction for purchase or redemption of the
full quantity of units such as transacted by a Registered Customer
through the online technology platform of NTACTUS, the respective
mutual fund/AMCs shall be entitled to process a lesser quantity of
units being purchased or redeemed (as the case may be) by such
Registered Customer. In such a case, neither NTACTUS nor the
AMCs, their respective trustees shall be responsible for the
non‐execution of transactions for the entire quantity or the
remaining quantity of units.

Investment from persons from the United
States of America (“U.S.”) and Canada may
not be permitted in certain mutual funds.
NTACTUS / AMCs/their respective trustee companies shall
not be liable for rejection of an application by mutual
funds, where the investor is a U.S. person and/or a
Canadian person or such other prohibited investor as may be
specified in the respective scheme related documents from time to
time.

Transaction rights for Systematic Investment Plans
(“SIPs”) will be pursuant to the Registered Customer
executing the instructions, in the manner and form as prescribed
by NTACTUS and / or mutual funds on the online technology
platform from time to time. The instructions will be applicable to
all SIP transactions whether presently existing or to be opened in
future. I/We agree that, upon granting such instructions for SIP
transactions, I/We will be bound by the terms of the relevant SIP
scheme of the mutual fund to which I/we subscribe.

I/We agree and acknowledge that any transaction done or
purported to be done by me/us on or before the cut off times on a
business day as may be intimated by NTACTUS to me/us from
time to time, would be processed on the same day. Any transactions
done on the online technology platform of NTACTUS after the
prescribed cut off time will be deemed to be received on the next
working day and will be processed accordingly.

I/ We agree that all authorised and complete transactions
will be processed at the applicable NAV (as defined in the Scheme
Information Document of respective schemes of Mutual Funds)
subject to receipt of funds and acceptance of your transaction by
the Mutual Funds/ RTAs. However, NTACTUS shall not be liable
for any loss that may arise to me/us as a result of incorrect NAV
applied on units allotted to me/us by the mutual fund.

I/We acknowledge that any transactions done on a holiday
would be processed on the next business day and the NAV would be
applicable as per the respective scheme related documents.

I/We acknowledge that transactions once placed cannot be
cancelled.

I/we acknowledge that any application for redemption,
purchase or exchange or any other instruction must be correct,
complete, clear and unambiguous in all respects and should conform
to the prescribed procedure/documentation and regulatory
requirements, failing which, NTACTUS /AMC reserve the right
to reject the same and in such a case NTACTUS/AMC/Trustee shall
not be responsible for any consequence arising therefrom.

I/We have read and understood the contents of the respective
Scheme related Document(s) and the details of the scheme and I/We
have not received or been induced by any rebate or gifts, directly
or indirectly, in making investment. I/We hereby declare that the
amount invested/to be invested by me/us in the scheme(s) of Mutual
Fund (s) is derived through legitimate sources and is not held or
designed for the purpose of contravention of any act, rules,
regulations or any statute or legislation or any other applicable
laws or any notifications, directions issued by any governmental
or statutory authority from time to time.

The ARN holder has disclosed to me/us all the commissions
(in the form of trail commission or any other mode), payable to
him for the different competing Schemes of various Mutual Funds
from amongst which the Scheme is being recommended to me/us.

I/ we agree and acknowledge that transactions done through
NTACTUS Registry Account facility will be tagged with
the Mutual Fund distributor ARN Code 141396 and will not be
treated as Direct.

I/We grant my/our no objection to NTACTUS to do or
perform upon my/our placing of transaction requests on the online
technology platform of NTACTUS and at my/our risk and
cost, all or any of the following acts, deeds matters and things:

To forward my transaction data and requests to the
respective mutual funds/AMCs with respect to my instructions and
orders of sale, purchase, transfer, splitting and consolidation
of mutual funds units.

To transmit to the mutual fund and/or the corresponding
AMC, information relating to my/our nomination/changes in
investment plan/ any other changes made through the online
platform.

To obtain and forward to the AMC/its Authorized Registrar
my/our information as available in the KYC records, including my
signature. I/We agree that such records may be used by the
AMC/Authorised Registrar for authorizing the transactions that
may be submitted by me/us in physical/offline mode.

Communication of
instructions

I/We acknowledge that all instructions (including
instructions for modification of this clause) shall be given by
me/us only. I/We hereby authorize NTACTUS /AMCs to process
and transmit such instructions given by me/ us from time to time
in relation to my/our transactions to the respective mutual
funds/AMCs.

The transactions units may be done through electronic/
online mode as required by NTACTUS and AMC will process the
transaction on the basis of such feed file only and you hereby
agree and consent to the transmission of data by electronic means
through the NTACTUS Registry Account facility. I/We
agree that NTACTUS/AMC reserves the right to remove or add any
method of making instructions for purchase or redemption of the
units at any time at NTACTUS’s/AMCs’ discretion. I/We
agree that NTACTUS/AMC shall always have the right to change the
modes of instructions for purchase, switch or redemption of units.

I/We agree and acknowledge that units purchased by giving
instructions through any of the above modes will be deemed to be
accepted for redemptions through the same mode only.

I/we understand and agree that instructions given by you to
Mutual Fund Distributor for transacting in mutual fund units will
be forwarded by Distributor to the AMC in electronic log file
format (‘Feed File’).

NTACTUS may refuse to transmit transaction data for the
clients to the AMC/ its authorised agents unless, they are given
in a manner and form acceptable to NTACTUS and in accordance
with NTACTUS’s right to verify such transactions. However,
NTACTUS shall have no responsibility to determine the
authenticity of any transactions done or purported to be done by
me/us. I/We shall not hold NTACTUS liable on account of
NTACTUS acting in good faith on any of/our transaction done
or purported to be done by me/us.

The mutual funds/AMCs may at its discretion not give effect
to my/our transactions where the mutual
fund/AMCs/NTACTUS have reason to believe (which decision of
mutual fund / AMCs /NTACTUS, I/We shall not question or dispute)
that the transactions are not genuine or are otherwise improper,
ambiguous or unclear or raise a doubt. NTACTUS/AMC/Mutual
Fund/trustee of the AMC shall not be liable for any losses
including but not limited to the loss of any opportunity costs
incurred by me/us, if any, transactions are not carried out for
any reasons whatsoever.

I/We agree to indemnify NTACTUS, AMC, trustees to the AMC,
its respective officers, directors, employees and agents against
any improper/ fraudulent transactions, improper/fraudulent fund
transfer transactions done or purported to be done by me/us on the
online technology platform/ payment gateway provided by NTACTUS.
NTACTUS/AMC shall not be obliged to accept from me/us any oral
instructions for carrying out any transactions in mutual fund
units. Further NTACTUS, AMC, trustees to the AMC, its
respective officers, employees and agents shall be indemnified for
and held free and harmless from and against any and all costs,
claims, losses or liabilities of any nature (direct or indirect)
resulting from the act of purchase, redemption or switch of mutual
fund units, together with any and all attendant costs and expenses
including reasonable legal fees and expenses, that NTACTUS, AMC,
trustees to the AMC, its respective officers, employees and agents
may incur or be subject to, in relation to the transactions
conducted by me/us on the online technology platform of NTACTUS.
I/We also acknowledge that the security and the control provided
by NTACTUS are designed to verify the source the
communication and not to detect errors in transmission or content
including discrepancies between names on the account numbers and
that NTACTUS or any intermediary, may transmit data or take
requisite action by reference account number only, even if the
name on the account is also provided. Nothing contained herein
shall require NTACTUS to violate any applicable laws, rules
or the procedures/ instructions. NTACTUS shall have no duty
to verify the content of any transactions, instructions and
communication, whether or not authorized, sent in its name and
accepted by NTACTUS.

Holding pattern and Customer details

I/We acknowledge and agree that the NTACTUS holding
pattern of the Registered Customer, as reflected in the
NTACTUS system, is deemed to be the NTACTUS account holding
pattern of the account holder/investor(s).

I/We also agree there will be no changes allowed in the
holding pattern of the investors associated with the Account once
the Account is activated.

I/We agree that once an investment is made using the holding
pattern, I/We will not be allowed to change the holding pattern
for the subscriptions.

The other requisite data (which is not part of the form)
required to be reported to AMC / authorized registrar of the AMC
will be extracted from NTACTUS account details maintained for
the First holder. The mode of holding in all customer joint
accounts is treated Joint account

Statement of account

I/We agree and acknowledge that it shall be the obligation
of the AMC and not of NTACTUS to regularly send to the
Registered Customer (only to first holder in cause of multiple /
joint holdings) such communications as required under the SEBI
Regulations

Charges and Fees

I/We acknowledge that NTACTUS reserves the right
to charge fees in the future for the Services or any other
services offered by NTACTUS though presently the Services
offered by NTACTUS are free of transaction charges. Any such
changes will be communicated by NTACTUS via email 15 days
before such change is made effective, and will be displayed on the
NTACTUS Websites. Further, I/we understand that I/We will be
allowed to transfer our assets out of my/our Account without
incurring any costs payable to NTACTUS.

I/We agree and understand that any such charges/fees that
NTACTUS may choose to levy will be in addition to those
levied by the AMCs, if any. All fees, charges and reimbursement of
expenditure shall be paid or made in full by me/ us without any
counter claim, set off or withholding. All liabilities and
obligations of the Registered Customer hereunder to
NTACTUS/mutual fund/AMCs/trustees of the AMC shall be joint and/or
several, as the case may be.

Third Party Risk

NTACTUS shall not be liable for any loss or damage
caused by reason of failures or delay of the mutual fund to
deliver any units purchased even though payments have been made
for the same, or failure or delay in making payment in respect of
any units sold, though they may have been delivered and I/We shall
hold NTACTUS harmless and free from any claim in respect
thereof. NTACTUS shall also not be liable for any delay, failure
or refusal of the mutual fund in registering or transferring units
to my/our names or for any interest, dividend or other loss caused
to me/ us arising therefrom.

In such instances of third party claims, the AMC/mutual
fund/trustees to the mutual fund shall be liable for failure/delay
only where such claims/losses arise due to a reason entirely
attributable to an error or gross negligence of the AMC. In no
event shall the AMC/mutual fund/trustees to the mutual fund be
liable for losses/claims arising due to force majeure reasons
beyond the reasonable control of the AMC/mutual fund.

Liability of NTACTUS

NTACTUS shall not, in absence of gross negligence
on the part of NTACTUS, be liable to me/us for any act, omission
or delay by the mutual fund or for any claims which I/We may
suffer or incur as a result of or in course or discharge by
NTACTUS or its employees, officers, directors duties.

Without prejudice to the above,NTACTUS shall not be
held liable for any loss or damage or failure to comply or delay
in complying with its obligations under these Terms and Conditions
which is caused directly or indirectly by any event or
circumstances beyond NTACTUS’ reasonable control. These
include system failure, network errors, delay or loss of data due
to the above and in circumstances of acts of God, floods,
epidemics, quarantine, riot, civil commotion and/or war. I/We
further agree that NTACTUS shall not be held liable for any
losses, damages, expenses, costs, liabilities and claims of
whatsoever nature caused by fraudulent or unauthorized use or
access of my/our information, and/or signatures. NTACTUS will
be under no duty to verify compliance with any restrictions on
my/our investment powers. NTACTUS will not be liable for any
loss, damage, cost, charges or expenses directly or indirectly
caused by reasons of any defects or imperfections or mechanical or
other failure with relation to computer, cable, telex, telephone
or postal system.

While NTACTUS will make every effort to have its
computer systems available at all times, NTACTUS makes no
guarantees with respect to the availability of such systems.
NTACTUS will make every effort to resolve availability issues
such as network problems, virus attacks etc. in an expeditious
manner. Notwithstanding these, NTACTUS will as such not be
liable for any loss, damage, cost, charges or expenses directly or
indirectly caused by reasons of lack of such availability.

Electronic Payment Gateway

I/we understand that funds transfer for purchase of units of
mutual funds will be done by using an Electronic Payment Gateway
facility for net banking offered through a third party net banking
service provider registered with the Reserve Bank of India. I/we
agree not to use or permit the use of the payment gateway or any
related services for any illegal or improper purposes.

I/we hereby acknowledge that I/We am/are utilizing the
Electronic Payment Gateway at my/our risk. I/we agree and
understand that these risks would include but not be limited to
the following risks and NTACTUS/AMC/trustees of the AMC, disclaim
all liability and responsibility for any claims, losses, damages,
costs of whatsoever nature arising due to such risks:

Misuse of Password:

I/we acknowledge that if any third party obtains access to
my password of the Investments Services Account, such third
party would be able to transact on NTACTUS’s online
technology platform. I/We shall ensure that the terms and
conditions applicable to the use of the Net Banking password as
contained in the Electronic Payment Gateway for Net Banking are
complied with at all times.

Internet Frauds:

I/We understand that the Internet per se is susceptible to
a number of frauds, misuse, hacking and other actions, which
could affect payment instructions given using Electronic Payment
Gateway or the transactions done using NTACTUS online
technology platform. Whilst NTACTUS shall aim to provide
security to prevent the same, there cannot be any guarantee
against such Internet frauds, hacking and other actions. I/We
shall separately evolve/evaluate all risks arising out of the
same.

Mistakes and Errors:

The filling in of applicable data for transfer would
require proper, accurate and complete details. In the event of
my/our account receiving an incorrect credit by reason of a
mistake committed by any third party, the concerned mutual
fund/AMC or the bank shall be entitled to reverse the incorrect
credit at any time whatsoever without my/our consent. I/We shall
be liable and responsible to NTACTUS / concerned mutual
fund /concerned AMC and accede to accept instructions without
questions for any unfair or unjust gain obtained by me/us as a
result of the same.

Technology Risks:

The technology for enabling the transfer of funds and the
other services offered by the Electronic Payment and
NTACTUS could be affected by virus or other malicious,
destructive or corrupting code, program or macro. I/We
understand that the site of NTACTUS or the bank may
require maintenance and during such time it may not be possible
to process my/our request. This could result in delays in the
processing of transactions/payment instructions or failure in
the processing of transactions/payment instructions and other
such failures and inability. I/We understand
that NTACTUS disclaims all and any liability, whether
direct or indirect, whether arising out of loss of profit
or otherwise arising out of any failure or inability
by NTACTUS /bank/mutual funds/AMCS to process any
transaction/payment instructions for whatsoever reason. I/We
understand and accept that NTACTUS /AMC/trustee company of
the AMC, authorised registrars of the AMC shall not be
responsible for any of the aforesaid risks.

Limits:

I/We are aware that NTACTUS may from time to time
impose maximum and minimum limits on funds that may be
transferred by virtue of the payment transfer service given.
I/We realize and accept and agree that the same is to reduce
my/our risks. I/We shall be bound by such limits imposed and
shall strictly comply with them.

Indemnity:

I/We agree and undertake to indemnify NTACTUS /mutual
funds/AMCs/trustees to the AMCs/authorized registrar of the AMC
from and against all losses and damages that may be caused as a
consequence of breach of any of the Electronic Payment Gateway
for net banking and the terms and conditions mentioned herein
above.

Withdrawal of Facility:

NTACTUS shall be entitled to withdraw this service at
any time without assigning any reason whatsoever.

Binding nature of above terms and conditions:

I/We agree that by use of this facility, I/We shall be
deemed to have agreed to all the above terms and conditions and
such terms and conditions shall be bound on me/us in the same
manner as if I/We have agreed to the same in writing.

Role of NTACTUS

I/We expressly agree and acknowledge that any information
contained in NTACTUS brochures or other materials or
otherwise communicated by NTACTUS shall not be construed by
me/us as investment advice and that all decisions to purchase or
sell units made by me/us shall be on the basis of my/our own
personal judgment arrived at after due consideration. I/We
understand and agree that NTACTUS does not in any manner:

Guarantee payments on any units; or

Guarantee liquidity of any units; or

Make any offer to buy back any units; or

Guarantee the redemption or repayment of any units on
maturity; or

Guarantee the payments of interest or dividend; or

Promise, indicate or guarantee any returns; or

Guarantee any good delivery.

I/We further understand and agree
that NTACTUS does not in any manner:

subscribe to units of mutual funds on my/our behalf or in
my/our name or collects payments from me/us for the units so
purchased by me/us for remitting it further to the AMCs; or

receive any account statement from mutual funds/AMCs, on
my/our behalf or in my/our name pertaining to the units; or

redeem /sell the units held by me/us on my/our behalf or
in my/our name; or

unilaterally instruct the mutual fund and/or the
corresponding AMCs with regards to nomination/changes in
investments plan/any other changes; or

sign any document on my/our behalf or in my/our name for
purchase, sale or redemption of units; or

collect, receive and / or give receipts and discharges for
any sum including dividend, interest or income arising from the
units and does not sign and/or endorse dividend and interest
warrants on my/our behalf or in my/our name; or

correspond with or gives notice to the mutual fund/AMCs on
my/our behalf or in my/our name, except for transmission of
transactions done or purported to be done by me/us on the online
technology platform.

I/We understand and acknowledge
that NTACTUS does not offer any advice and nothing
herein or on the NTACTUS Website shall be construed as
investment advice by me/us.

I/We understand that any sum invested through
NTACTUS Investment Services Account is not a deposit with
NTACTUS and is not bank insured. The same is not endorsed or
guaranteed and does not constitute obligations of NTACTUS or
any of the subsidiaries associates or affiliates companies whose
role in only as described in these Terms and Conditions.
Investments in mutual fund are subject to investment risk,
including the possible loss of principal amount invested. The
value of my/our units will fluctuate. If I/We redeem my
units/shares, I/We may receive more or less than I/We paid
depending upon NAV of the units in the fund or trust at the time
of redemption. Past results are not a guarantee to future
performance. Past performance may or may not be sustained in the
future.

Correspondence

Any notice or other correspondence addressed by
NTACTUS to me/us may be addressed to the first holder above
at the address given by me/us or as may be intimated from time to
time. If according to me/us there is any discrepancy in the
particular or details of my transaction or account of statement
then I/We shall be obliged to intimate the same
to NTACTUS and to the concerned mutual
fund/AMC/authorised registrar of the AMC in writing within 7
(seven) working days of the first holder receiving notice thereof,
falling which such transaction, statement or account (as the case
may be) shall be deemed to be correct and accepted by me/us and
I/We shall not be entitled to question the correctness or accuracy
thereof.

Use of NTACTUS Website

I/We acknowledge that in accessing and using the Services
offered by NTACTUS, I/We may utilize the content and services
offered on the NTACTUS Website. I/We agree to follow the
terms and conditions for the use of such NTACTUS Websites as
may be specified on such NTACTUS Website from time to time
(“NTACTUS Website Terms”). Notwithstanding such
acceptance of the NTACTUS Website Terms, I/We agree to the
following:

I/We agree that all information, content, materials,
products (including, but not limited to text, content,
photographs, graphics, video and audio content) on the
NTACTUSWebsites is protected by copyright in the favour of
NTACTUS under applicable copyright laws and is also
protected otherwise under general intellectual property law.

I/We agree that all information submitted by me/us to
NTACTUSwhether through the NTACTUS Websites or otherwise
shall be deemed to be the property of NTACTUS, and
NTACTUS shall be free to use any ideas, concepts, know‐how
or techniques provided by me/us at the NTACTUS Websites, in
any manner whatsoever.

I/We agree not to copy, reproduce, sell, redistribute,
publish, enter into a database, display, perform, modify,
transmit, license, create derivatives from, transfer or in any
way exploit any part of any information, content, materials,
services available from or through the NTACTUSWebsites, except
that which I/We may download for my/our own personal,
non‐commercial use.

I/We agree that I/we will not useNTACTUS's Websites for
any purpose that is unlawful, or prohibited by these Terms. I/We
also agree that I/we will not use NTACTUS’s Websites
in any manner that could damage, disable or impair NTACTUS '
Websites or interfere with any other person’s use or
enjoyment of NTACTUS’s

I/We agree that the software and hardware underlying
NTACTUS’s Websites as well as other internet related
software which are required for accessing the
NTACTUS Website are the legal property of the respective
Vendors. The permission given by NTACTUS to access the
NTACTUS Websites will not convey any proprietary or
ownership rights in the above software/ hardware. I/We agree that
I/We shall not attempt to modify, translate, disassemble,
decompile or reverse engineer the software/
hardware underlying the NTACTUS Website or create
any derivative product based on the software / hardware.

I/We agree that not all the products and services offered
onNTACTUS Websites are available in all geographic areas and
I/We may not be eligible for all the products or services offered
by NTACTUS on the NTACTUS NTACTUS reserves the
right to determine the availability and eligibility for any
product or service.

I/We agree that NTACTUS/AMC is not responsible for the
availability of content or other services on third party sites
linked from the NTACTUS I/We are aware that access of hyperlinks
to other internet sites are at my/ our own risk and the content,
accuracy, opinions expressed, and other links provided by these
sites are not verified, monitored or endorsed by NTACTUS in
any way. NTACTUS does not make any warranties and expressly
disclaims all warranties express or implied, including without
limitation, those of merchantability and fitness for a particular
purpose, title or non‐infringement with respect to any
information or services or products that are available or
advertised or sold through these third party websites.

I/We agree that NTACTUShas the absolute discretion to
amend or supplement any of the NTACTUS Website Terms at any
time without prior notice for such changes. I/We agree that the
information and assistance provided on the NTACTUS Websites
are true to the knowledge of NTACTUS and should not be
construed as investment advice, and that NTACTUS shall have
no liability for any discrepancy in any such information or
assistance.

I/We agree that an Account may be created offline,
without accessing the NTACTUS In the event I/We create an
investment services account offline, I/We understand and
acknowledge that these Terms and Conditions and the Terms and
Conditions of use of the NTACTUSWebsites will continue to be
applicable to me/us for the use of the Services.

Customer Information

I/We agree to provide any and all information that may be
required by NTACTUS /AMC/authorised service providers of the
AMC from time to time in compliance with existing legal norms and
regulations, including but not limited to contact information,
address and tax‐related information and any information required
under existing or future KYC norms and laws. I/We agree that
NTACTUS /AMC/authorized service providers of the AMC may take
steps to verify the veracity of such information provided by me/us
and I/We agree to co‐operate
with NTACTUS /AMC/authorized service providers of AMC in
providing all information requested by NTACTUS. I/We acknowledge
that failure to provide such information in a timely manner may
result in my/our ineligibility to avail of some or all of the
services of NTACTUS and that NTACTUS /AMC/Trustees of
AMC shall in no way be held liable for any losses of whatsoever
nature resulting from such failure to provide information on
my/our part. I/We agree that any information provided by me may be
required to be shared with relevant regulatory / statutory
authorities and I authorise NTACTUS to provide all
information to such regulatory / statutory authorities as and when
required.

Disclaimer

I/We hereby agree that :

Mutual Fund investments are subject to market risks, and
I/we have read and understood all scheme related documents
carefully before investing.

The data, reports and information provided on the website
does not constitute an investment advice and therefore should not
be relied upon while taking investment decisions.

The transaction execution services and the data, reports
and information and recommendations, if any provided are
incidental to the distribution services of the Mutual Fund
Distributor and shall not in any manner be constructed as
offering of any kind of investment advisory services or any kind
of legal, tax or financial advice. Further it shall also not mean
that any of Mutual Fund Distributor’s employees or
associates have been in any wayinvolved in your decision making
process. The investment decision, if any, will be taken by you in
your sole and absolute discretion.

All eligible benefits on investments will be as per the
provisions of Income Tax Act 1961 as amended from time to time.

This service does not constitute an offer to buy or to
sell or a solicitation to any person in any jurisdiction where it
is unlawful to make such an offer or solicitation.

Mutual Fund Distributor/its authorised
representative/service providers is not responsible for any
omissions, errors or investment consequences arising from the use
of the materials available on the website .

Whilst every reasonable precaution has been taken to
ensure the accuracy, security and confidentiality of data and
information available through the Investment Account, the Mutual
Fund Distributor/its authorised representative/its service
provider shall not be held responsible for any consequence of any
action carried out by you.

The services/facility may suspend or withdrawn at any
time, and that the Investment Account facility is also subject to
interruption.

The Website and the linked backend infrastructure may be
inaccessible and/or unavailable at times. In such an event Mutual
Fund Distributor will not be liable for any damage, liability,
action, cause of action, suit, claim, demand, loss, cost, and
expense arising directly or indirectly from or in connection with
such system inaccessibility and/or unavailability.

The Mutual Fund Distributor makes no express or implied
warranty:

that the dealing through the Investment Account will be
uninterrupted or free from errors or that any identified
defect will be corrected;

that the Investment Account service is free from any
virus or other malicious, destructive or corrupting code,
program;

in relation to non-infringement of any third party
rights, merchantability, satisfactory quality or fitness for a
particular purpose.

Mutual Fund Distributor/its authorised representative and
its service provider shall not be liable for any loss or damage
or other consequences arising from any suspension, breakdown,
withdrawal, interruption, technical flaw, the presence of virus
or other malicious, destructive or corrupting code, programs
over the MInvestment Account or otherwise and any consequent
delay or failure in completion of any payment or other
instructions as a consequence thereof arising from the use or
inability to use the Investment Account.

Mutual Fund Distributor/its authorised representative and
its service provider shall not be liable for any failure to
perform any of its obligations or service standards etc if the
performance is prevented, hindered or delayed by a Force Majeure
Event, which includes any event due to any cause beyond the
reasonable control including, without limitation, unavailability
of any communication system including Internet, breach or virus
in the processes or payment mechanism, sabotage, fire, flood,
explosion, acts of God, civil commotion, strikes or industrial
action of any kind, riots, insurrection, war, acts of
government, computer hacking, unauthorized access to computer
data and storage devices, computer crashes, breach of security
and encryption codes.

Termination

NTACTUS may terminate the Services by giving 30
(thirty) days prior notice in writing to the Registered Customer
provided that the Registered Customer shall not be relived of
obligations hereunder notwithstanding such termination
incurred prior to the date on which such termination shall become
effective.

Governing Law and Jurisdiction Clause

All disputes and differences arising out of, under or in
connection with these terms and conditions or anything done
hereunder shall be within the exclusive jurisdiction only to the
courts of Calcutta. These terms and conditions are subject to and
shall be construed in accordance with the laws prevalent in India.

Annexure BTerms and Conditions

Online Acceptance Text

“I hereby allow Ntactus Financial Service Pvt Ltd (FreEMI.in) to utilize my KYC information such as identity (name, PAN, age etc.), address and signature for sending it to Asset Management Companies for the purpose of validation and to comply with the legal and regulatory requirements. I hereby accept that for any transactions that are submitted offline i.e. with wet signatures, the signature available in my KYC records would be used for signature verification. I agree and understand that I/we shall be solely liable to inform the Ntactus Financial Service Pvt Ltd (FreEMI.in) / AMC in case of any change in my / our KYC information including change in signature/ signatories etc. and in the event of my / our signature not being updated, available or legible in KYC records, the Ntactus Financial Service Pvt Ltd (FreEMI.in) / ABSL AMC would be within its rights to carry out further checks to validate the authenticity of the request or reject any such offline request based on existing KYC information.”

Annexure CDeclaration/s / undertaking/s

Online Declaration/ undertaking to be obtained at the time of each on-line transaction

“Having read and understood the content of the SID / SAI of the scheme, I/we hereby apply for units of the scheme. I have read and understood the terms, conditions, details, rules and regulations governing the scheme. I/We hereby declare that the amount invested in the scheme is through legitimate source only and does not involve designed for the purpose of the contravention of any Act, Rules, Regulations, Notifications or Directives of the provisions of the Income Tax Act, Anti Money Laundering Laws, Anti-Corruption Laws or any other applicable laws enacted by the Government of India from time to time. I/we have not received nor have been induced by any rebate or gifts, directly or indirectly in making this investment. I/We confirm that the funds invested in the Scheme, legally belongs to me/us. In event “Know Your Client” process is not completed by me/us to the satisfaction of the Mutual Fund, (I/we hereby authorize the Mutual Fund, to redeem the funds invested in the Scheme, in favour of the applicant, at the applicable NAV prevailing on the date of such redemption and undertake such other action with such funds that may be required by the law.) The Ntactus Financial Service Pvt Ltd (FreEMI.in) ARN NO:141396 has disclosed to me/us all the commissions (trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds amongst which the Scheme is being recommended to me/ us. I/We confirm that I/We do not have any existing Micro SIP/Lumpsum investments which together with the current application will result in aggregate investments exceeding Rs. 50,000 in a year (Applicable for Micro investment only.) with respective AMC.”

For NRIs only –

“I / We confirm that I am/ we are Non Residents of Indian nationality/origin and that I/We have remitted funds from abroad through approved banking channels or from funds in my/ our Non Resident External / Non Resident Ordinary / FCNR account. I/We confirm that details provided by me/us are true and correct.”

Disclaimer:
FreEMI do not sell any kind of loans on it's own and do not take any kind of fees from our customers. We recommend our customers to select best offers from Banks and its advertisers. We do not assure or grantee any loans, as the loan is sanctioned as per the norms of Banks and NBFCs. We propose all customers to never entertain any monetary demand for disbursal of loan. Also, it is a request that in case if any individual asking for money and calling themselves as representative of
FreEMI should be immediately reported to us via mail at support@freemi.in

Display of any logos, tradenames, trademarks, and other subject matters of intellectual property belong to their particular intellectual property owners. Display of such IP including the related product
details does not imply FreEMI's partnership with the Intellectual Property owner or manufacturer /issuer of such products.

IRDA Registration No. HCG11821 Insurance is the subject matter of solicitation. Our visitors are hereby informed that their information submitted may be shared with HDFC ERGO.
The product information displayed on this website is of the insurer.